Choice of Up to 2% Cash Back with an incremental 1% Cash Back on the things you buy most (choice of variety of areas including gasoline/diesel, computer/office supplies, building supplies and dining) OR Bonus Miles for Free Travel

Balance Transfer APR: 9.99% fixed for the life of the balance, for balance transfers made during the first six months of membership.

Annual fee: $85 for Basic Cardholder and up to two additional cards unless you are also the Basic Cardmember for a Qualifying Business Charge Card Product, in which case the annual fee is $30 for the Basic Card and up to two additional cards.